Side-by-side · Q2 2026 data
Planters and Citizens Bank vs Farmers State Bank
Metric by metric
| Measure | Planters and Citizens Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 55 | 89 (stronger) |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 46 | 100 (stronger) |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 47th | 95th |
| Total assets | $139.2M | $156.2M |
| Deposits / shares | $117.3M | $134.3M |
| Capital ratio | 10.54% | 13.92% (stronger) |
| Problem loans | 0.06% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.66% | 2.15% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 90.3% |
| Uninsured deposits | 28.5% | 15.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Planters and Citizens Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.